Author: John Norwood

For most people, buying a home is the biggest financial commitment of their lives. The planning begins with the loan amount, interest rate and EMI, but there’s another layer many don’t think about right away. It’s not about the property or the bank. It’s about the financial security that stays in place even if something unexpected happens during the loan period. This is where another kind of protection quietly works in the background. It’s not about returns or investments but about reducing the burden on your loved ones in case life doesn’t go as planned. This blog explores how that…

When Steve Jobs introduced the iPad in 2010, even Apple enthusiasts weren’t sure what to make of it. Was it a bigger iPhone? A smaller laptop? Many critics dismissed it as a device without a clear purpose. Fifteen years later, the iPad is one of the most successful consumer electronics products ever, with hundreds of millions sold and use cases spanning from entertainment to professional-grade innovation. Its journey from “nice-to-have gadget” to indispensable tool is one of the most fascinating stories in modern technology. Act I: The Entertainment Revolution In its early years, the iPad thrived as an entertainment hub.…

Buying property in Dubai has become more than just a luxury dream — it’s now a practical, well-calculated investment strategy for both local and international buyers. The city’s appeal lies in its consistent growth, investor-friendly laws, and futuristic development vision. From sleek waterfront apartments to high-end villas, the choices are endless. But for those looking for strong returns and long-term potential, off-plan properties in Dubai continue to stand out as the most rewarding segment of the market. Dubai’s real estate sector has proven its resilience through changing global conditions. Despite economic fluctuations, the emirate has maintained strong investor confidence thanks to…

When a school suddenly finds itself short of space, modular classrooms are often the first solution that springs to mind. They are quick to install, affordable, and can be placed almost anywhere on site. Over the years, they’ve earned a solid reputation as the reliable, go-to option when extra space is needed fast. But while modular classrooms have long been viewed as a short-term fix, that perception is rapidly changing. Thanks to significant improvements in materials, construction techniques and design innovation, today’s modular school buildings are more advanced than ever. They are increasingly being chosen not just for temporary needs,…

Every business goes through highs and lows but those that rely on specific times of the year face unique challenges during slower phases. Revenue may surge during peak seasons, but quieter months call for thoughtful financial planning. When cash flow dips, covering ongoing expenses becomes a careful balancing act to keep operations steady. That’s why seasonal businesses must be intentional about managing short term resources. A well planned working capital strategy helps maintain stability, improve planning and drive long-term success. Working capital is the money a business needs to handle daily functions. It’s the gap between current assets such as…

In an era where political commentary often stays safely within conventional boundaries, Steve Baron stands out as a voice willing to challenge New Zealand’s democratic framework itself. Through his platform Steve Baron Unfiltered, this New Zealand columnist and author tackles the fundamental questions many avoid: How well does our democracy actually function? Who really holds the power? And are everyday New Zealanders’ getting the representation they deserve? From Business to Democratic Reform Baron’s journey to becoming one of New Zealand’s most thought-provoking political commentators is rooted in practical experience. With over 30 years as a businessman and entrepreneur running marketing…

Running an e-commerce store needs smart digital marketing plans. The advanced SEO suite for Magento 2 is a key tool for online shops wanting to grow online. It has strong features to boost your store’s search engine ranking. Good e-commerce sites know that being seen is key to making money. With smart SEO, your Magento store can draw more visitors, rank higher in searches, and sell more. This suite tackles digital marketing challenges head-on. Search engines keep changing their rules, so online stores must keep up. Using the latest SEO tricks, Magento owners can stand out in the digital world.…

Everyone knows someone who’s “doing something online.” Maybe it’s a cousin who posts Shopee deals on WhatsApp, or a friend who keeps sharing BK8 promotions in Telegram groups. You might think it’s nothing big—until you find out they’re quietly earning RM500 to RM2,000 a month from their phones. Online selling in Malaysia has changed. You don’t need a warehouse, a Shopee store, or a huge following anymore. All you need is a link, a few smart ideas, and consistency. I’ve spent years testing different side income platforms, and I’ve seen what works and what’s just noise. Here are five online…

Ben Waters, trader, is a portfolio manager who oversees investment of outside capital in addition to his own portfolio. With extensive experience in options and equity trading, Benjamin Waters, trader, also has a proven track record in Delta One trading. This article will take a closer look at Delta One trading, exploring how Delta One products differ from other financial products like options. Delta One products are derivatives with a linear payoff profile that is symmetrical with the underlining asset. A Delta One product exposes the investor to the same risks, and potential rewards, as they would attract if they…